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MONEY DIARIES: A Hard Worker With A HUGE Heart! · She's On The Money

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Speaker 1: Hello, my name's Santasha Nabananga Bamblet. I'm a proud yr
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Speaker 1: the Order Kerni Whoalbury and a waddery woman. And before
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Speaker 1: we get started on She's on the Money podcast, I
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Speaker 1: would like to acknowledge the traditional custodians of the land
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Speaker 1: of which this podcast is recorded on a wondery country,
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Speaker 1: acknowledging the elders, the ancestors and the next generation coming
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Speaker 1: through as this podcast is about connecting, empowering, knowledge sharing
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Speaker 1: and the storytelling of you to make a difference for
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Speaker 1: today and lasting impact for tomorrow.
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Speaker 2: Let's get into it.
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Speaker 3: She's on the Money, She's on the Money.
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Speaker 4: Hello, and welcome to She's on the Money, the podcast
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Speaker 4: for millennials who want financial freedom. Welcome back to another
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Speaker 4: Shop Back Money Diary Monday, where we chat to one
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Speaker 4: of our Gorge community members. We learn about them, their life,
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Speaker 4: their story, their money and all of the fun bits
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Speaker 4: in between. Today I've got to your King on the Mine.
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Speaker 2: Hello, how are you goney? I am so excited to
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Speaker 2: be here.
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Speaker 4: I know you never get to do the Mondays and
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Speaker 4: they're really good funny.
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Speaker 3: I can't wait to see what it's all about.
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Speaker 4: Well, let me tell you we have as always an
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Speaker 4: excellent diarist, And she said, I'm twenty eight years old
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Speaker 4: with four children to a joint kinship care with my
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Speaker 4: mum and two of my own. My father moved to
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Speaker 4: Australia from New Zealand thirty five years ago, came for
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Speaker 4: a holiday and met my mum. I grew up with
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Speaker 4: two minimum wage parents who worked multiple jobs to send
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Speaker 4: my brother and I to our local private schools in Sydney.
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Speaker 4: I have worked since I was fourteen and had a
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Speaker 4: variety of jobs in that time, from your standard first
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Speaker 4: job and climbing the ranks there, to a career shift
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Speaker 4: from time to time to now finishing my university degree
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Speaker 4: and studying to become an International Board certified lactation consultant.
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Speaker 4: I have a home in Sydney which has doubled you
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Speaker 4: in eighteen months, a share portfolio, and of course my
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Speaker 4: super just a regular mum doing my best for her
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Speaker 4: kids and her family.
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Speaker 2: What a story.
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Speaker 4: Oh gosh, I can't wait to hear more. I know
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Speaker 4: we've got our diarists here. Hello, how you going?
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Speaker 5: Hello?
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Speaker 4: Everyone, I'm very excited to chat to you because it
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Speaker 4: sounds like you've worked your way up and done some
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Speaker 4: incredible things in your time. But first let's start with
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Speaker 4: our structured questions. Shall we money direst, can you tell
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Speaker 4: me what's your attitude towards money?
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Speaker 5: Well, money actually still at this point scares me. I
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Speaker 5: don't like dealing with money. I find it stressful and
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Speaker 5: having to organize that is just not something that I like.
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Speaker 5: I may like spreadsheets, but actually organizing everything isn't fun.
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Speaker 5: But I think it also comes back from being an
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Speaker 5: environment like I went to a private school from in
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Speaker 5: high school and having everyone have money literally falling out
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Speaker 5: of their pockets. Their school holidays looks like a trip
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Speaker 5: in Europe or something like that, whereas mine looks like
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Speaker 5: working forty hours a week just so I could upkeep
3:01
Speaker 5: the social agendas throughout the term. So I think that's
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Speaker 5: where it started from. So I started up really really
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Speaker 5: high and my expectations that's what I had to live like.
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Speaker 5: So then over the time, now it's definitely a lot different.
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Speaker 5: I'm far from that sort of lifestyle, but that's where
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Speaker 5: it started, and that's where I think all my scaring
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Speaker 5: and all of that came from.
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Speaker 4: Yeah, that makes a lot of sense. What do you
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Speaker 4: do for work and how much money do you in?
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Speaker 5: So I'm an RTO trainer and assessor, So I take
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Speaker 5: home fifty seven thousand annually plus I get a fifteen
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Speaker 5: thousand dollars car allowance plus super and then they cover
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Speaker 5: like my expenses, so like if I have to travel
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Speaker 5: to go to a location, accommodation and food, if I
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Speaker 5: have to fly somewhere, all of that's covered as well.
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Speaker 2: Yeah, that's really good.
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Speaker 4: Awesome that you get super on top of your base
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Speaker 4: with something like that as well.
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Speaker 3: Can I jump in and ask what an RTO assessor does?
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Speaker 5: Yeah? So an RTO is a registered training organization, so
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Speaker 5: it's it's like your TAFE teacher, but in like a
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Speaker 5: business perspective. Am So lots of organizations have them, So
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Speaker 5: depending on what they have, they could just be doing
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Speaker 5: a certificate two, stificate three, four diplomas and that's what
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Speaker 5: we assess and train that process generally in like a
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Speaker 5: business perspective. So like I work for a company and
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Speaker 5: I'm a trainer for them individually.
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Speaker 2: Cool.
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Speaker 4: It's kind of like adult exams, like you're you're learning
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Speaker 4: to deliver this thing and you're the exam deliverer walking
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Speaker 4: up and down the room being like, are you doing
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Speaker 4: the right thing scary people like you.
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Speaker 5: Yeah, I don't do it like that. It's very different.
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Speaker 5: But I do like from fourteen year olds because I
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Speaker 5: have people that start at the age of fourteen, So
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Speaker 5: I have younger people and I have older people as well.
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Speaker 2: That's so cool.
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Speaker 4: You said before that you're saving up and working your
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Speaker 4: way up. What is your big money goal at the moment.
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Speaker 5: My big money goal at the moment is probably not
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Speaker 5: like some sort of savings goal like most people's, is
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Speaker 5: is that we would like to renovate our home. So
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Speaker 5: when we purchased our home eighteen months ago, it was
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Speaker 5: a four bedroom kind of project home built twenty years ago,
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Speaker 5: so it's enough to meet our needs. But obviously, going
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Speaker 5: through lockdown and everything, you kind of want to work
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Speaker 5: out that you want to have more in your home
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Speaker 5: so you can have activities and enjoy all the moments
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Speaker 5: that you can. So we just want to put a
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Speaker 5: pool in and just do some other little things to
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Speaker 5: our home just to make it more user friendly for
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Speaker 5: our boys and be able to spend more time with them.
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Speaker 4: Home renovating is so expensive as well. Victoria's going through
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Speaker 4: the process now and it blows my tiny little mind.
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Speaker 4: How expensive something like flooring, which you know all like
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Speaker 4: I walk on it?
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Speaker 2: How much could it possibly cost? It turns out very expensive?
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Speaker 4: Yeah, wild Now you did tell us you have a
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Speaker 4: share portfolio. Can you tell us a little bit more
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Speaker 4: about that and your investments?
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Speaker 5: So in the investments, I'm going to claim that it's
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Speaker 5: my share portfolio because it's mine and my partners, but
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Speaker 5: he organizes that. So I was actually brought up in
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Speaker 5: a family lifestyle that shares. We're not a good thing, like,
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Speaker 5: don't touch them, you're all your money lifestyle.
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Speaker 2: Oh yes, we've had that before.
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Speaker 1: Ye.
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Speaker 5: Whereas my partner, his grandfather was a very big share investor.
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Speaker 5: He did very well with it. He worked up high
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Speaker 5: and he retired at the age of forty because of it.
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Speaker 5: So he started his share portfolio about five years ago.
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Speaker 5: And I think we started with about ten thousand dollars,
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Speaker 5: like increased it up and then now I think we're
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Speaker 5: about out fifty thousand dollars.
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Speaker 2: My gosh, incredible.
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Speaker 4: And you have your super as well on top of that,
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Speaker 4: you said as well, which is awesome. Now, do you
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Speaker 4: have any debts to kind of flip it on its head?
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Speaker 5: Yeah, So we obviously we have our mortgage and then
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Speaker 5: that's about eight hundred thousand at the moment because we
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Speaker 5: just refinanced be able to do some renovations yep. And
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Speaker 5: then I also have a novated lease for my car
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Speaker 5: for work because I drive over fifteen hundred to two
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Speaker 5: thousand kilometers a week. Wow, so just needed a car
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Speaker 5: without purposes.
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Speaker 4: And I also have a heck step And how much
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Speaker 4: is your heckstep sitting at currently?
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Speaker 5: I probably should have checked. I think it's about thirty grand.
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Speaker 4: Yeah, no, that's right closees Now Money Diarists Mondays are
7:10
Speaker 4: brought to you by our friends at Shopback.
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Speaker 2: Do you use the shop back platform?
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Speaker 5: I sure do.
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Speaker 4: We love to see it. Do you have any fun
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Speaker 4: little hack or tidbits for it. We've had a few
7:18
Speaker 4: people over the last few weeks sharing things and I'd
7:21
Speaker 4: be like, I didn't know you could do that. So
7:23
Speaker 4: where do you love to use it?
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Speaker 5: Pretty much? Just anything I purchase, I just double check
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Speaker 5: shop back first, So like if I'm in store, which
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Speaker 5: is hard, I like to buy things in store obviously
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Speaker 5: to get those endorphins when I buy something. Yes, However,
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Speaker 5: if I do see it online and I can get
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Speaker 5: like ten percent cash back plus this and this, and
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Speaker 5: I'm like, okay, I'll try it all on and then
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Speaker 5: I'll go and buy it, like sometimes I buy it
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Speaker 5: online in store.
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Speaker 2: Oh how did you do that? No shame, I'm just like, oh,
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Speaker 2: what do I need?
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Speaker 5: Just so I don't forget. If not, I won't do it,
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Speaker 5: Like if I'm doing a little bit of me time
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Speaker 5: with kids, it's like, if I don't do it now,
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Speaker 5: it's not going to be ordered. And then with holidays,
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Speaker 5: that's probably my biggest thing that I've taken advantage of.
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Speaker 5: I think it was not a holiday that I planned.
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Speaker 5: It was a family's wedding. I booked Accommodation and I
8:09
Speaker 5: was just waiting for a sale before I kind of
8:12
Speaker 5: booked it on shot back or anything. And then they
8:15
Speaker 5: emailed me one night and they're like, oh, thirty percent
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Speaker 5: shot back.
8:18
Speaker 2: Huge.
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Speaker 5: Yes, So I think I got about four hundred and
8:21
Speaker 5: fifty dollars back from Accommodation. How good is that?
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Speaker 2: Is incredible?
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Speaker 4: That is so good and leads really nicely into my
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Speaker 4: next question, which is what is your best money habit.
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Speaker 5: I'm definitely a person that won't buy anything unless it's
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Speaker 5: on sale, So I will bog buy. So I purchase
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Speaker 5: a particular laundry powder. If it's half priced, I'll buy fifteen.
8:42
Speaker 5: If you know, I drink almond milk, so when the
8:46
Speaker 5: almond milk goes on sale, alba fifty. So I just
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Speaker 5: buy everything. So that's really it's hard to budget when
8:52
Speaker 5: I do things like that because I'm buying for such
8:54
Speaker 5: a long period of time. But I know out of
8:57
Speaker 5: the long run, I'm saving myself so much more money.
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Speaker 5: So that's probably my best money habit that I won't
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Speaker 5: buy anything unless it's on sale.
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Speaker 4: Do you have when you're buying such big quanities like that?
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Speaker 4: It makes me think of have you ever seen Extreme Couponing?
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Speaker 4: The video steted it's an American TV show because couponing
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Speaker 4: isn't really a thing here.
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Speaker 2: I wish it was. I'd be all over it.
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Speaker 4: But they have like these things that they call stock piles,
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Speaker 4: and they have rooms where it's almost like a little
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Speaker 4: mini shop in their house with all of their stuff
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Speaker 4: that they've gotten on sale.
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Speaker 2: Do you have one of those?
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Speaker 5: Yeah? I do. I go so in our garage, so
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Speaker 5: I have like a walking pantry that we converted when
9:32
Speaker 5: we've got our home and then in our garage. Obviously,
9:35
Speaker 5: my cars don't fit in my garage, which was a
9:37
Speaker 5: bit sad because I wanted one. But I have like
9:40
Speaker 5: two free standing pant trees out there, and I also
9:43
Speaker 5: have like the bunnings like racket shells with everything there.
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Speaker 5: So I have from nappies to a whole shell for milk, bolg,
9:50
Speaker 5: rice pasta. Everything's there.
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Speaker 2: If the apocalypse comes, I'm hanging out at your house.
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Speaker 2: I love that. Incredible What is on?
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Speaker 4: I guess the other end of the spectrum, what would
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Speaker 4: you say is your worst money habit?
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Speaker 5: Sometimes if I haven't bought anything or spent something on myself,
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Speaker 5: I'm very bad at buying things for me. I'll buy
10:10
Speaker 5: things to my kids all the time, But then if
10:12
Speaker 5: I do buy something for me, that whole concept of
10:15
Speaker 5: being good and making sure it's on sale goes through
10:18
Speaker 5: the roof. Yeah.
10:19
Speaker 4: Sometimes though, I feel like if you're not looking after yourself,
10:22
Speaker 4: you deserve a treat as well. Every once in a while,
10:24
Speaker 4: I think mums put so many other people before themselves,
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Speaker 4: and it's like, if you're gonna look after yourself, you
10:30
Speaker 4: might as well do it well every once in a while, Right.
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Speaker 5: Yeah, it would work if I didn't feel guilty about
10:34
Speaker 5: the purchase afterwards. So that's why if I do it,
10:37
Speaker 5: I just need to do it and make sure I
10:39
Speaker 5: feel good about it and then I don't feel like
10:41
Speaker 5: I'm not justifying it every day.
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Speaker 3: Well, the cheese of the money team gives you permission
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Speaker 3: to not feel that guilt, girl, so.
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Speaker 2: Hopefully that helps. Thank you, Thank you all Rightie and Lucky.
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Speaker 4: Last question, what grade would you give your money habits
10:54
Speaker 4: If we asked you to give yourself a great.
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Speaker 5: I would give myself a bee. So I definitely think
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Speaker 5: I do well that I organized myself and budget, but
11:02
Speaker 5: in the sense of platforms, of organizing my investments and
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Speaker 5: understanding my money flow, I kind of have no idea
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Speaker 5: where everything is going.
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Speaker 4: Okay, that makes a lot of sense, and we can
11:12
Speaker 4: definitely help you with one of those things. Off the air,
11:15
Speaker 4: But let's go to a really quick break because I
11:17
Speaker 4: have a heap of questions that I want to ask
11:19
Speaker 4: you about, So don't go anywhere. Welcome back to another
11:25
Speaker 4: money Diary Monday and Money Diarist. I want to start
11:29
Speaker 4: off by asking you about your private school experience, because
11:33
Speaker 4: I think private school is something that can be super polarizing,
11:36
Speaker 4: and you said, for yourself, you had two working class
11:39
Speaker 4: parents who were working really hard to make that education
11:42
Speaker 4: happen for you. You yourself were working as well, and
11:45
Speaker 4: you were watching your peers go on these elaborate holidays
11:48
Speaker 4: or have money to spend disposedly however they wanted. And
11:52
Speaker 4: you said that that kind of shaped your perspective on money.
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Speaker 2: A little bit.
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Speaker 4: And I just wanted to talk to you about what
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Speaker 4: that experience was like for you as a child, because
12:01
Speaker 4: that would have had a really big impact on you
12:04
Speaker 4: now as an adult and how you feel about money.
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Speaker 5: I definitely think it impacted me about what I needed
12:09
Speaker 5: in life. I felt like I definitely have to be
12:12
Speaker 5: very materialistic. I needed the newest and the best things.
12:17
Speaker 5: And your social life was very busy, so you know,
12:21
Speaker 5: if you had someone's birthday party that you were going to,
12:24
Speaker 5: then you had to make sure you had a new outfit,
12:26
Speaker 5: you had this, you had to buy them a gift
12:29
Speaker 5: that was you know, above and beyond that anything that
12:32
Speaker 5: you'd probably get gifted yourself. But that was kind of
12:35
Speaker 5: the environment that you kind of dealt with. Obviously, there
12:39
Speaker 5: were other girls in similar situation as myself, but I
12:43
Speaker 5: think when you are a teenager and going through.
12:47
Speaker 2: Peture, you just want to fit in.
12:48
Speaker 1: Yeah.
12:48
Speaker 5: Yeah, I just wanted to fit in. And I definitely
12:50
Speaker 5: I went through primary school going through bullying because I
12:53
Speaker 5: was the only girl child that was actually had brown skin.
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Speaker 2: Oh my gosh, that would so hard already.
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Speaker 5: Yeah, so when I was at school, like I would
13:03
Speaker 5: come home and like cry because everyone would make fun
13:05
Speaker 5: of me. So then in high school that was like
13:08
Speaker 5: had to fit in, had to fit in. Yeah, So
13:11
Speaker 5: it was very very difficult on that perspective. And then
13:14
Speaker 5: when I finished school, I was not friends. I'm not
13:19
Speaker 5: friends with anyone from high school. Like I, you know,
13:21
Speaker 5: will say hello to people, but I actually never have
13:23
Speaker 5: any good relationships from there. My friends that I made
13:26
Speaker 5: were actually people that I worked with. So one of
13:29
Speaker 5: my best friends that I've been friends with for like
13:31
Speaker 5: fifteen years now was someone that I met when I
13:33
Speaker 5: was fourteen that we work together. We still work together
13:37
Speaker 5: now within the same company, just doing different roles. But
13:41
Speaker 5: we both went to private schools. But we both don't
13:43
Speaker 5: have that perspective of that, like we need to up
13:46
Speaker 5: one each other all the time. It's like, oh, what
13:48
Speaker 5: new thing do you have? It's like we're both like,
13:50
Speaker 5: how can we save about money, How can we you know,
13:53
Speaker 5: do the best for our kids and be able to
13:55
Speaker 5: give them everything without thinking that they need the newest iPhone,
13:59
Speaker 5: the newest iPad or anything like that.
14:02
Speaker 4: Yeah, so it's also coloring your relationship with your kids.
14:05
Speaker 4: Now out of curiosity, are you going to send your
14:07
Speaker 4: kids to private school as well or they go to
14:08
Speaker 4: public school?
14:09
Speaker 5: It really depends on I would like to send my
14:13
Speaker 5: kids to whatever school suits them. So if my kids
14:15
Speaker 5: all go to different schools, then they will all go
14:17
Speaker 5: to different schools. I want to find a school that
14:20
Speaker 5: fits their needs and their lifestyle of what they would
14:23
Speaker 5: like to do in their life. I don't want to
14:25
Speaker 5: base it on a school that I want to go to.
14:28
Speaker 5: So if it becomes a private school, then that's one
14:30
Speaker 5: hundred percent okay if that's the best thing for them.
14:33
Speaker 5: But if it's a public school, it's a public school.
14:35
Speaker 2: That is such a beautiful answer.
14:36
Speaker 4: I really love that, And as someone who went to
14:38
Speaker 4: public school, like, I feel like they get a bit
14:40
Speaker 4: of a bad rap. Like there's public schools private schools.
14:43
Speaker 4: There's definitely more resources available at private school, but I
14:46
Speaker 4: think there's totally benefits to both And it's a really
14:49
Speaker 4: great perspective to have to say it's going to depend
14:52
Speaker 4: on my kid, because every kid needs different things, So
14:54
Speaker 4: I think that's a great way to do it.
14:56
Speaker 5: Yeah, and especially having two foster children as well, Like
14:59
Speaker 5: they can't they go to the public system. That's only
15:02
Speaker 5: because of the financial They came into our life very quickly,
15:05
Speaker 5: and it wasn't something my parents had ever planned to
15:09
Speaker 5: add into their lifestyle like they had done kids because
15:12
Speaker 5: I'm a little bit older than what they are. But
15:15
Speaker 5: in that sense that the way that the education we're
15:19
Speaker 5: choosing where they go to high school is based on
15:21
Speaker 5: their requirements. So one of them is definitely not a
15:25
Speaker 5: educational learning kind of kid, Like he's great with sports,
15:29
Speaker 5: so like we're going to focus on schools that are
15:31
Speaker 5: sports focused and all of that. Like he's never going
15:34
Speaker 5: to be a UNI student or anything like that. Like
15:37
Speaker 5: we know he knows that, so we want to make
15:39
Speaker 5: sure we give him absolutely everything that if he would
15:42
Speaker 5: like to be a rugby union player, then we'll give
15:45
Speaker 5: him every stepping stone to get to that place.
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Speaker 2: Incredible.
15:48
Speaker 3: I wanted to ask you money Dirist about your journey
15:51
Speaker 3: with investing so you said you grew up in a
15:54
Speaker 3: household that did not approve of shares. How did your
15:58
Speaker 3: perception change with that? Was it purely down to your
16:02
Speaker 3: partner or was it listening to she's on the money perhaps?
16:05
Speaker 2: What was your story with that.
16:06
Speaker 5: I wish it was my partner and I believed in him,
16:09
Speaker 5: but it wasn't. So it definitely was she's on the money.
16:15
Speaker 5: So obviously I thought we needed to do something about
16:17
Speaker 5: our budget. I wanted to buy a home. He wasn't
16:20
Speaker 5: like really into buying a home. We used to go
16:22
Speaker 5: on holidays like two times a year and spend like
16:25
Speaker 5: a whole salary on holidays because we lived at home
16:28
Speaker 5: and that's what we could do. So he always did
16:31
Speaker 5: the savings and did his portfolio, and he does. I
16:36
Speaker 5: think it's like the day trading kind of thing, Like
16:39
Speaker 5: he looks at it every day and he's like heavily
16:41
Speaker 5: invested in it. I was like, I don't have time
16:43
Speaker 5: for that.
16:44
Speaker 4: It's a big commitment. And even then you can put
16:47
Speaker 4: all the time and effort in the world into it
16:49
Speaker 4: and some of it just comes down to luck.
16:51
Speaker 5: Yeah, yep. And I was like I don't care that
16:55
Speaker 5: much to sit there and like understand each of them,
16:58
Speaker 5: like I would like to know the basics, like I'd
17:00
Speaker 5: rather pay someone to do it for me, Like that's
17:02
Speaker 5: just not on my top ten to do list. So
17:05
Speaker 5: that my parents definitely were very like shares is you
17:09
Speaker 5: lose money, that's not how you future proof yourself. And
17:14
Speaker 5: I think living week by week, they still do live
17:16
Speaker 5: on credit cards and they buy things I feel outside
17:19
Speaker 5: of their means and don't accommodate for anything, and that's
17:22
Speaker 5: super stressful for me because I'm like, why did you
17:26
Speaker 5: just do that? Yeah, And they will complain about money,
17:29
Speaker 5: but then we'll go buy a brand new TV.
17:33
Speaker 4: Yeah, and you're like, this is an endless loop. That
17:36
Speaker 4: just is not Yah told itself.
17:38
Speaker 5: So it's never that I don't think I can do
17:40
Speaker 5: anything to help them. I try, but I understand to
17:43
Speaker 5: myself that if I would like something, I need to
17:46
Speaker 5: you know, aim for it and get to that point
17:48
Speaker 5: and through shares, that's hopefully something that we can future
17:52
Speaker 5: for later, so that our share portfolio is primarily going
17:55
Speaker 5: to be for our kids, just so we can start
17:58
Speaker 5: saving and like having that fund so if one day
18:00
Speaker 5: we want to go, hey, we want to buy your car,
18:03
Speaker 5: then we can.
18:04
Speaker 2: That's incredible.
18:05
Speaker 4: I want to actually ask about your kids and the
18:08
Speaker 4: foster kids as well. That you said you kind of
18:11
Speaker 4: job share almost with your mum, and you said before
18:13
Speaker 4: that they came in a little bit unexpectedly. How did
18:16
Speaker 4: that happen? So how do they come into your lives? Firstly?
18:19
Speaker 4: And then how does that job share work? Because obviously
18:22
Speaker 4: having two kids of your own is a big time
18:24
Speaker 4: commitment in and of itself with the school runs, if
18:27
Speaker 4: you go into different schools and all those kinds of things,
18:29
Speaker 4: and then you've got another two that you're helping out
18:31
Speaker 4: with as well.
18:32
Speaker 2: What is that all like?
18:33
Speaker 5: So I had my first child here is three now,
18:37
Speaker 5: when we both lived at my parents' house in a
18:39
Speaker 5: granny flat. So I was about six months pregnant and
18:43
Speaker 5: they came into our care. They were about three and
18:47
Speaker 5: four at the time. They were family friends' kids that
18:50
Speaker 5: we used to look after all the time, like every
18:53
Speaker 5: second weekend we would look after them so mum could
18:55
Speaker 5: have a break. So they used to come over for
18:57
Speaker 5: three four days every fortnight. And then at the point
19:01
Speaker 5: it got to the point where the youngest one who
19:05
Speaker 5: came into my care first, she had severe allergies, so
19:08
Speaker 5: she was allergic to pretty much life and had really
19:11
Speaker 5: bad exma that her skin was scabbing, and you know,
19:15
Speaker 5: she couldn't do anything. It was a very miserable life
19:18
Speaker 5: for her. So her auntie had taken her to the hospital,
19:22
Speaker 5: and then she wasn't allowed to go back home with
19:24
Speaker 5: her mother because they thought it wasn't the right place
19:27
Speaker 5: for her. So they asked my mum if she would
19:30
Speaker 5: like to take care of her. So obviously that was
19:34
Speaker 5: a discussion as a family that we had to have.
19:36
Speaker 5: She couldn't really make a decision by herself, and I
19:38
Speaker 5: said to them like I'm more than happy to help,
19:41
Speaker 5: like whilst i live at my parents' house, which I
19:44
Speaker 5: obviously not having my own kids at the time, didn't
19:46
Speaker 5: realize what I was putting myself forward for. And then
19:51
Speaker 5: also the justification that her brother wasn't coming with us,
19:55
Speaker 5: so we would still have to liaise with the mother
19:58
Speaker 5: to do visitation and stuff like that. So she we
20:02
Speaker 5: said like okay, one person, like it's fine, like she'll
20:05
Speaker 5: be okay. And then a few months later the brother
20:09
Speaker 5: came into our care because something happened. And then within
20:14
Speaker 5: like six months, so I then had my child and
20:18
Speaker 5: then I was at home, so I was doing like
20:20
Speaker 5: morning school drop offs at daycare and primary school, every
20:23
Speaker 5: day pickups, then organizing swimming lessons, organizing like all the
20:28
Speaker 5: Sentlin things because they are in foster care, they go
20:31
Speaker 5: through Senilin. Had no idea how that program worked.
20:34
Speaker 2: Not so much paperwork, I can imagine.
20:36
Speaker 5: And this was three COVID so you physically had to
20:38
Speaker 5: go into locations, so like, I'm like taking a newborn
20:41
Speaker 5: into these places, taking a newborn into coorts, like doing
20:45
Speaker 5: all of that. So at the moment, So we moved
20:48
Speaker 5: out about eighteen months ago, or probably twelve months ago
20:52
Speaker 5: because we renovated before we moved in. So my parents
20:55
Speaker 5: look after my kids during the day whilst I'm at work.
21:00
Speaker 5: In the mornings, we'll drive an hour to their place
21:03
Speaker 5: because we live an hour away. Joys of Sydney property prices,
21:07
Speaker 5: can't afford to live near them.
21:09
Speaker 2: Oh my gosh, feels yeah.
21:11
Speaker 5: So we drive an hour to my parents. We do
21:13
Speaker 5: breakfast and then I'll drop the kids off at school
21:17
Speaker 5: on the way and then I'll go to work and
21:19
Speaker 5: then I normally work later in the night, so then
21:21
Speaker 5: someone will pick up the kids in the afternoon and
21:23
Speaker 5: depending on what activities there are, we'll take them to
21:27
Speaker 5: like swimming, rugby training, basketball, and then my partner will
21:31
Speaker 5: get home and we'll make dinner for everyone that's there.
21:34
Speaker 2: Oh my gosh, it sounds lazy.
21:35
Speaker 1: Love.
21:36
Speaker 4: Yeah, like a full Brady Bunch situation. And I mean,
21:40
Speaker 4: hats off to you and your mum. That is not
21:42
Speaker 4: an easy situation to find yourselves in and to put
21:46
Speaker 4: your hand up and say yeah, like we'll help these
21:48
Speaker 4: people is just incredible. So I'm so impressed, honestly and
21:52
Speaker 4: thankful that there are people like you or who are
21:54
Speaker 4: willing and able to do stuff like that to help
21:57
Speaker 4: out families in need. It's just amazing. In terms of
22:00
Speaker 4: the financial aid that you get from the system, is
22:04
Speaker 4: there still a significant financial burden that falls to you
22:07
Speaker 4: or is everything kind of covered because I imagine things like
22:10
Speaker 4: swimming and like they're once not needs, and I mean
22:13
Speaker 4: they're so important if you are able to do that
22:16
Speaker 4: for your kid, for development and confidence and all those
22:19
Speaker 4: sorts of things. But I can also imagine that from
22:21
Speaker 4: like a courts perspective, they wouldn't maybe account for that
22:25
Speaker 4: kind of thing.
22:26
Speaker 5: Absolutely not. So my mom takes all the payments because
22:30
Speaker 5: they live like with her, So I kind of am
22:33
Speaker 5: the assistance in other things, but it definitely doesn't cover everything.
22:37
Speaker 5: So we still have to pay school fees even though
22:40
Speaker 5: we go to our public school. Yep. So at the
22:43
Speaker 5: beginning they offered to pay for uniforms and stuff like that,
22:46
Speaker 5: but ever since they haven't offered They also, I know
22:50
Speaker 5: with our local school provide the school with different grants.
22:54
Speaker 5: So because they are Torres Strait Islander as well, they
22:58
Speaker 5: receive grants at the school, and because they are classified
23:01
Speaker 5: as foster children, they also receive grants. I've learned that
23:05
Speaker 5: those grants for a teacher ade don't actually go towards
23:08
Speaker 5: the children, because that's how the public school system unfortunately works.
23:13
Speaker 5: It goes to those that are in need. And if
23:15
Speaker 5: he's not classified as in need, even though he being
23:18
Speaker 5: there brings those requirements, they don't get access to them.
23:22
Speaker 5: So like swimming lessons is ye not paid for and
23:25
Speaker 5: they aren't a cheap expense, but we have a pool,
23:28
Speaker 5: so we believe swimming lessons is a requirement. I myself
23:32
Speaker 5: used to swim like four mornings a week, so like
23:34
Speaker 5: that's just the norm for me. And then like sports
23:39
Speaker 5: as I said before, the eldest boy, he is not
23:42
Speaker 5: an academic child. He never will be. He doesn't enjoy it,
23:45
Speaker 5: and which is absolutely fine. He is great at sports,
23:49
Speaker 5: so it was really exciting. He had his rep rugby
23:52
Speaker 5: tryouts for the Great Above because he's too young for
23:55
Speaker 5: his like reps doesn't exist for his age, and he
23:58
Speaker 5: actually made the team on the weekend.
24:00
Speaker 3: Ah, say, congratulate him for us.
24:03
Speaker 5: We will. So it's really exciting that, like, he has
24:06
Speaker 5: these opportunities and everything, but if we didn't do that.
24:10
Speaker 2: For him, he wouldn't get that.
24:13
Speaker 5: That's not something that is in the tickbox kind of
24:16
Speaker 5: formula of what the requirements they give.
24:19
Speaker 4: Yeah, oh my gosh, it's so hard to think about
24:22
Speaker 4: the opportunities I guess that are available to some people
24:25
Speaker 4: and not to others. And yeah, it's really special that
24:28
Speaker 4: you are providing that for him. And I think that
24:31
Speaker 4: perspective as well of Hey, like, maybe academics aren't your thing.
24:36
Speaker 4: As someone who grew up in an environment where like
24:38
Speaker 4: my education and the schooling process that I went through
24:41
Speaker 4: was very academic focused, as someone who is kind of
24:44
Speaker 4: less inclined that way, I know that it can be
24:46
Speaker 4: really disheartening to experience that. So I think the fact
24:50
Speaker 4: that you're going, hey, like, if that's not for you,
24:51
Speaker 4: that's so cool, Like you have other awesome skills, yeah,
24:55
Speaker 4: and let us support you.
24:56
Speaker 2: What can we do?
24:58
Speaker 4: I think that he and all of your other kids
24:59
Speaker 4: are going to grow up and have really, really fantastic lives.
25:02
Speaker 2: Because of that.
25:03
Speaker 5: Thank you.
25:04
Speaker 4: To shift the conversation back to you, you said before
25:06
Speaker 4: that you're finishing off UNI and you're studying to become
25:09
Speaker 4: board certified.
25:11
Speaker 2: How long have you got left? What does that look like?
25:13
Speaker 4: How are you going juggling study and your certification alongside working,
25:18
Speaker 4: alongside being a mom to so many beautiful kids.
25:21
Speaker 5: It's definitely a juggle. So after having kids, I realized
25:27
Speaker 5: that breastfeeding and support for women postpartum is pretty much nonexistent,
25:33
Speaker 5: and I definitely went down the rabbit hole of exploring
25:36
Speaker 5: options to be able to provide that support and nurture
25:39
Speaker 5: women postpartum. The saying that it takes a village to
25:42
Speaker 5: raise a baby is one hundred percent through, but no
25:45
Speaker 5: one realizes that taking a village doesn't mean coming over
25:48
Speaker 5: and holding the baby for five minutes. It's coming over
25:51
Speaker 5: and doing the washing for mom, cooking food for mom,
25:54
Speaker 5: like letting her sit there and taking that time and
25:57
Speaker 5: that bonding that's required. So after not realizing because there
26:03
Speaker 5: was such a non existent I was studying a Bachelor
26:07
Speaker 5: of Commerce in Human Resources. So I think I have
26:10
Speaker 5: like two subjects to go. I've just been pregnant or
26:14
Speaker 5: having a newborn. Every time a semester would start.
26:17
Speaker 2: Just bad timing.
26:18
Speaker 5: Yeah, I was like, probably not a good time to
26:20
Speaker 5: do it right now. So hopefully I'm going to finish
26:22
Speaker 5: that off this year. So I am fine, like just
26:25
Speaker 5: it's done. And then I am currently also completing a
26:29
Speaker 5: Certificate four in breastfeeding Education, which is done through the
26:34
Speaker 5: Australian Breastfeeding Association. So I decided to do that to
26:38
Speaker 5: gain knowledge for myself on my own breastfeeding experience and
26:42
Speaker 5: being able to advocate for myself within my workplace and
26:45
Speaker 5: return to work and be able to continue to complete
26:48
Speaker 5: that which obviously in my industry in some places it's
26:52
Speaker 5: not really a normal thing. So be able to provide
26:56
Speaker 5: that in for my place and then also for other
26:59
Speaker 5: places as well well. And then once I've done that,
27:02
Speaker 5: I want to start my journey to become an international
27:06
Speaker 5: board Certified Lactation Consultant. Unfortunately, it is a really difficult
27:11
Speaker 5: niche to get into if I'm not a nurse or
27:13
Speaker 5: a midwife. Because it's an international certification. There's certain like
27:20
Speaker 5: either take grade units or uni degree units required and
27:25
Speaker 5: then clinical hours as well. So Australia doesn't have the
27:29
Speaker 5: foundations that for example, the US do. So in the
27:33
Speaker 5: US they have like centers that primarily there for people
27:38
Speaker 5: to study to become an IBCLC and then you can
27:41
Speaker 5: do the whole program through them. So yes, you may
27:43
Speaker 5: pay like five to ten grand to do it, but
27:46
Speaker 5: that whole certification can be done, Whereas in Australia if
27:49
Speaker 5: you're not a nurse or a midwife, it's a lot
27:51
Speaker 5: of a more tedious process to get there. So I
27:55
Speaker 5: can like I've added some units into my degree because
27:58
Speaker 5: I had electives to kind of go towards it, but
28:01
Speaker 5: then I'll have to work out how to do the
28:03
Speaker 5: other ones. But at the moment, I'm kind of just
28:05
Speaker 5: educating myself and putting myself out there to try and
28:10
Speaker 5: help other mothers and be that support system which I
28:12
Speaker 5: don't think is out there at the moment.
28:15
Speaker 2: That's amazing.
28:16
Speaker 4: I love that and I mean, I haven't had children,
28:18
Speaker 4: so I'm probably definitely not qualified to speak on it.
28:20
Speaker 4: But a lot of my friends have actually who have
28:22
Speaker 4: had kids, have said that breastfeeding was way more challenging
28:25
Speaker 4: than they thought it was going to be. Like you
28:27
Speaker 4: kind of have this idea that it's going to be easy.
28:28
Speaker 4: The baby just knows, and there's the boob, there's the baby,
28:32
Speaker 4: it's all happy and it all works. But that's actually
28:34
Speaker 4: not the case, which is kind of crazy to think about.
28:37
Speaker 4: I didn't know that obviously, not having had children. So yeah,
28:40
Speaker 4: I think more education is never a bad thing, and
28:43
Speaker 4: that's a really cool thing to be pursuing. And I
28:45
Speaker 4: love that you're kind of changing your future to suit
28:48
Speaker 4: what you learned as a new mum. That's incredible.
28:51
Speaker 5: Yeah, especially like I would say I would be a
28:53
Speaker 5: younger mom, like I was twenty five when I had
28:55
Speaker 5: my first child, and I think, you know, having been
28:58
Speaker 5: the first person in my friend group to go through
29:00
Speaker 5: everything and not knowing anything, you are definitely guided by
29:05
Speaker 5: the system. And yes, I feel like our hospital system
29:08
Speaker 5: has its place, but unfortunately sometimes they don't provide the
29:13
Speaker 5: best breastfeeding knowledge to mums. It could just be what's
29:17
Speaker 5: best for their hospital and what their protocols are, because
29:21
Speaker 5: there are protocols that they have to follow, they have
29:23
Speaker 5: rules and regulations that they must abide by, and it's
29:27
Speaker 5: not what's best for you sometimes it's what they have
29:29
Speaker 5: to do. So understanding that, Like, I'm surprised and many
29:33
Speaker 5: people are that I breastfed my first for so long
29:36
Speaker 5: and did so well without any intervening, whereas with my second,
29:41
Speaker 5: I was more well aware, more educated, and luckily I
29:44
Speaker 5: did because our breastfeeding journey probably would have ended a
29:47
Speaker 5: lot earlier because we had a lot of issues throughout
29:49
Speaker 5: the process. My kids like to not like me to
29:53
Speaker 5: have dairy, So thank you so much. It's been a
29:55
Speaker 5: long time since I've had an ice cream. Oh no,
29:59
Speaker 5: So yeah, Like, if I didn't have the knowledge or
30:01
Speaker 5: the information about how to go through that process, I
30:05
Speaker 5: would have just been like, oh, okay, I'll just do this,
30:07
Speaker 5: and that's not what I wanted to do. Like, I
30:10
Speaker 5: am one hundred percent grateful that I've been able to
30:13
Speaker 5: breastfeed my children. My second is now eighteen months and
30:16
Speaker 5: we're still breastfeeding. So I have the opportunity to express
30:20
Speaker 5: during work and he has bottles with his caregivers when
30:23
Speaker 5: he's at home.
30:24
Speaker 4: Wow, I feel like I have learned so much this
30:26
Speaker 4: Money Diary. Oh my goodness. Thank you so much for
30:29
Speaker 4: joining us, and really incredible to hear all the things
30:31
Speaker 4: that you're doing. Let us know when you are qualified,
30:34
Speaker 4: because we'd love to be able to share that with
30:36
Speaker 4: our community. I think that's really special. But George, I
30:39
Speaker 4: think that's all we've got time for. Did you want
30:40
Speaker 4: to wrap up the important bits?
30:42
Speaker 2: Absolutely?
30:42
Speaker 3: Firstly, I just wanted to say thank you as well
30:45
Speaker 3: to our money dire So that was amazing, and I
30:46
Speaker 3: think the thing that I really took away was just
30:48
Speaker 3: how caring you are. You are an incredible person, and
30:51
Speaker 3: as just said earlier, we are so lucky to have
30:54
Speaker 3: people like you in our community. I've got like goosebumps.
30:56
Speaker 3: That was just a really beautiful story, and thank you
30:58
Speaker 3: for sharing it with us, and good luck in the future.
31:01
Speaker 5: Thank you so much for having me on the show. Guys.
31:03
Speaker 5: It's been a really good experience.
31:05
Speaker 3: Yay, all right, guys, here's boring stuff. The advice shed
31:08
Speaker 3: on She's on the Money is general in nature and
31:11
Speaker 3: does not consider out your individual circumstances.
31:13
Speaker 2: She's on the Money.
31:14
Speaker 3: Exists purely for educational purposes and should not be relied
31:17
Speaker 3: upon to make an investment or a financial decision. And
31:20
Speaker 3: we promise Victoria divine and she's on the money. Are
31:23
Speaker 3: authorized representatives of in Focused Securities Australia Proprietary Limited ABAN
31:28
Speaker 3: four seven zero nine seven seven nine seven zero four
31:31
Speaker 3: nine AFOs SAL two three six five two three. Thank
31:34
Speaker 3: you so much guys, to see you on Wednesday.
31:36
Speaker 2: See then